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Richesse immobilière et encours des prêts immobiliers : Quelles divergences territoriales aujourd’hui ?

Author

Listed:
  • Arnaud Simon

    (DRM - Dauphine Recherches en Management - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres - CNRS - Centre National de la Recherche Scientifique)

  • Thomas Lefebvre

    (DRM - Dauphine Recherches en Management - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres - CNRS - Centre National de la Recherche Scientifique)

Abstract

Since 2015 and the beginning of the Quantitative Easing policy by the European Central Bank, the residential loans stock increased by 17 % in France, while the residential wealth just increased by 2,4 %. French departments where the residential wealth decreases and in the same time the total amount of credit increases by more than 17 % are not scarce. This article documents a variety of regional situations : appropriate financing, under-financing, over-financing or absence of voluntarist policy. Whether it be in terms of financial stability or territorial planning, identifying the territories of the wealth-credit divergence is a crucial issue.

Suggested Citation

  • Arnaud Simon & Thomas Lefebvre, 2018. "Richesse immobilière et encours des prêts immobiliers : Quelles divergences territoriales aujourd’hui ?," Post-Print hal-02279959, HAL.
  • Handle: RePEc:hal:journl:hal-02279959
    DOI: 10.3917/ecofi.132.0233
    as

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